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  1. 🏠
  2. Medicare Advantage Plans
  3. Iowa
  4. Hardin County

2026 Medicare Advantage Plans in Hardin County, IA

Last update: September 1, 2026.

In Hardin County, IA, there are 23 Medicare Advantage plans available for 2026. Of these, 17 offer a $0 monthly premium, and about 45% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Hardin County, IA. Or explore all Medicare Options available in Hardin County, IA.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$10.90/mo
Plans with $0 Premium
17
Average MOOP Limit
$5,376 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 45% · 3 Stars: 55% · Below 3: 0%
Average Part D Deductible
$480.83
Total MA/MAPD Enrollment
964
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Blue Medicare Advantage PPO (PPO) — 323 enrollees
2. Aetna Medicare Signature (HMO-POS) — 171 enrollees
3. Aetna Medicare Signature (PPO) — 75 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
12
Average Monthly Premium
$11.00/mo
Total PPO Enrollment
559
$0 Premium PPO Plans
9
Average MOOP
$5,692
Top PPO by Enrollment
Blue Medicare Advantage PPO (PPO) — 323 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Hardin County, Iowa, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
MercyOne Health Plan Choice
☆☆☆☆☆
$0 $4,400 $200 H1846-007-0
AARP Medicare Advantage from UHC IA-0003
☆☆☆☆☆
$37 $5,900 $600 H8768-017-2
AARP Medicare Advantage Patriot No Rx IA-MA01
☆☆☆☆☆
$0 $8,900 N/A H8768-018-0
Aetna Medicare Elite
☆☆☆☆☆
$0 $5,500 $615 H1608-037-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$57 $4,500 $615 H1608-117-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,000 $615 H1608-001-0
Blue Medicare Advantage PPO
☆☆☆☆☆
$0 $4,150 $300 H5900-001-0
Blue Medicare Advantage Valor PPO
☆☆☆☆☆
$0 $6,750 N/A H5900-006-0
Humana Full Access H5216-411
☆☆☆☆☆
$0 $4,250 $400 H5216-411-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
HumanaChoice Giveback H5216-340
☆☆☆☆☆
$0 $5,000 $600 H5216-340-0
HumanaChoice H5216-014
☆☆☆☆☆
$38 $9,250 $615 H5216-014-0
What is the total number of PPO plans offered in Hardin?

Hardin County has 12 PPO plans for 2026, with 559 enrolled.

How much do PPO plans cost in Hardin?

The typical PPO premium in Hardin is $11.00, and 9 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
5
Average Monthly Premium
$4.56/mo
Total HMO Enrollment
110
$0 Premium HMO Plans
4
Average MOOP
$5,020
Top HMO by Enrollment
Humana Gold Plus H0028-053 (HMO) — 59 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Hardin County, Iowa, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
MercyOne Health Plan Cash Back
☆☆☆☆☆
$0 $6,900 $250 H3668-031-0
MercyOne Health Plan Glory No RX
☆☆☆☆☆
$0 $5,900 N/A H3668-029-0
MercyOne Health Plan No Premium
☆☆☆☆☆
$0 $4,200 $150 H3668-025-0
MercyOne Health Plan Plus
☆☆☆☆☆
$23 $3,900 $100 H3668-026-0
Humana Gold Plus H0028-053
☆☆☆☆☆
$0 $4,200 $615 H0028-053-1
What is the average monthly premium for HMO plans?
HMO plans in Hardin cost $4.56 per month on average.
Which HMO plan is most popular in Hardin?
The most popular HMO plan in Hardin is Humana Gold Plus H0028-053 (HMO), with 59 enrollees.
How many HMO plans in Hardin do not include drug coverage?
There are 1 HMO plans in Hardin without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 6
  • Average Monthly Premium $16.00/mo
  • Total HMO-POS Enrollment 295
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $5,042
  • Top HMO-POS by Enrollment Aetna Medicare Signature (HMO-POS) — 171 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Hardin County, Iowa, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $6,750 N/A H1609-058-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,300 $615 H1609-001-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,000 $615 H1609-069-0
Aetna Medicare Value Care
☆☆☆☆☆
$41 $3,900 $615 H1609-068-0
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$55 $5,900 $520 H5253-108-2
Wellcare Simple
☆☆☆☆☆
$0 $4,400 $615 H1862-005-0
What is the total number of HMO-POS plans in Hardin?

There are 6 HMO-POS plans in 2026, covering 295 enrollees.

How much do HMO-POS plans cost in Hardin?

The average HMO-POS premium in Hardin is $16.00 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Hardin?

Aetna Medicare Signature (HMO-POS) is the top HMO-POS in Hardin, with 171 enrollees.

What is the number of HMO-POS plans without Part D coverage in Hardin?

1 HMO-POS plans in Hardin do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Hardin County, IA for 2026.

CMS Star Ratings for Medicare Advantage Plans in Hardin County, IA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 45%
3 Stars 12 55%
Below 3 Stars 0 0%
Not Rated 1 4%
Average Rating 3.91

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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